FSBC - NASDAQ
Five Star Bancorp
$41.87
-2.2%Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
At a Glance
Live SnapshotFive Star Bancorp Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Five Star Bancorp Income Statement
FSBC • NASDAQ
| Five Star Bancorp Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||
255.5M | 212.2M | 180.7M | 123.8M | 87.8M | 83M | 69.6M | 30K | 7.2M | 6.9M | |
GROSS PROFIT | ||||||||||
(106.7M) | (94.2M) | (67.5M) | (21.5M) | (5.7M) | (18.2M) | (17.1M) | (0.0) | (0.0) | (0.0) | |
148.7M | 118M | 113.2M | 102.2M | 82.1M | 64.8M | 52.5M | 30K | 7.2M | 6.9M | |
OPERATING INCOME | ||||||||||
(65M) | (53.3M) | (46.6M) | (39.4M) | (35M) | (27.5M) | (22.1M) | (6.6M) | (6.1M) | (5.4M) | |
(40.7M) | (35.8M) | (31.1M) | (25.3M) | (21.8M) | (18.3M) | (14.4M) | (6.6M) | (6.1M) | (5.4M) | |
83.7M | 64.7M | 66.6M | 62.9M | 47.1M | 37.3M | 30.4M | 618K | 1.1M | 649K | |
PRE-TAX INCOME | ||||||||||
(97M) | (87.2M) | (63.5M) | (14.8M) | (4M) | (9.2M) | (11.6M) | (2.8M) | (2.2M) | (2M) | |
153.2M | 119.7M | 110.9M | 103.1M | 77.6M | 65.2M | 53M | 0.0 | 0.0 | 0.0 | |
(24.3M) | (17.5M) | (15.5M) | (14.1M) | (13.2M) | (9.2M) | (7.7M) | (0.0) | (0.0) | (0.0) | |
83.7M | 64.7M | 66.6M | 62.9M | 47.1M | 37.3M | 30.4M | 618K | 1.1M | 649K | |
NET INCOME | ||||||||||
(22.1M) | (19.1M) | (18.9M) | (18.1M) | (4.7M) | (1.3M) | (1.1M) | (407K) | (285K) | (136K) | |
61.6M | 45.7M | 47.7M | 44.8M | 42.4M | 35.9M | 29.3M | 211K | 854K | 513K |
SEC Filings
FSBC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 28, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 15, 2026 | April 14, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 30, 2026 | May 21, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
S-3 S-3 N/A | January 30, 2026 | January 30, 2026 | ||
8-K 8-K 2026 N/A | January 27, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 16, 2026 | January 16, 2026 | 2026 |
Related Guides
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Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
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Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.